90 FORRESTAL Circle SAtlantic BeachFL32233
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 90 FORRESTAL Circle S, Atlantic Beach, FL, 32233 in Atlantic Beach at $475,000 earns $3,378/mo in rent and nets $153/mo after the $2,136/mo payment, a 8.53% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $131,234 over five years. Ziffy Mortgage underwrites this on a 1.58 DSCR without U.S. credit history. With $4,375/yr in principal paydown, total projected return reaches $191,246.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $153 | $1,500 |
City averages based on Atlantic Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,378 |
| Total Monthly Debt Service | $3,036 |
| DSCR Ratio | 1.11x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1961
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32233, Atlantic Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,880 (100%) |
| Owner Occupied HU | 6,374 (53.7%) |
| Renter Occupied HU | 4,680 (39.4%) |
| Vacant Housing Units | 826 ( 7.0%) |
| Median Home Value | $455,507 |
| Average Home Value | $606,977 |
Housing Distribution
Address Breakdown
Residential
11,802
Single Family
9,212
Multi-Family
2,590
Businesses
736
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1961
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32233, Atlantic Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,880 (100%) |
| Owner Occupied HU | 6,374 (53.7%) |
| Renter Occupied HU | 4,680 (39.4%) |
| Vacant Housing Units | 826 ( 7.0%) |
| Median Home Value | $455,507 |
| Average Home Value | $606,977 |
Housing Distribution
Address Breakdown
Residential
11,802
Single Family
9,212
Multi-Family
2,590
Businesses
736
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices